Joseph Ordonez is a financial advisor with Principal Financial Services, holding Series 66, Series 65, and Series 63 licenses and bringing 17 years of industry experience. His prior roles include positions at John Hancock and Pensionmark Financial Group. Principal Securities offers brokerage and registered investment advisory services to a diverse client base, including individual investors, retirement plans, trusts, estates, charitable organizations, corporations, and active-duty U.S. military personnel living abroad. The firm’s advisory services emphasize financial planning, retirement plan consulting, and access to third-party money manager asset allocation and separately managed account solutions.

Yossry Ghaly is a financial advisor at Citigroup Global Markets with five years of industry experience. He holds a Series 66 designation and has previously worked at J.P. Morgan Securities LLC, JP Morgan Chase Bank, N.A., Equitable Advisors LLC, Swiss International Financial Brokerage, and Henyep Asiya. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering multi-asset, multi-manager investment advisory programs and brokerage services. The firm combines large institutional scale with specialized market roles and provides discretionary and non-discretionary solutions that include exposure to alternative and digital-asset products.

Caden Wiles is a CFP® and holds a Series 66 license with five years of industry experience. He is currently an advisor at Schwab Wealth Advisory and previously worked at J.P. Morgan Securities, JPMorgan Chase Bank, N.A., The Vanguard Group, and Road Runner Sports. Wiles is based in Irvine, CA. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, offering financial reviews, retirement planning, and investment recommendations using Charles Schwab’s proprietary tools. The firm operates as an internal advisory unit within the Schwab ecosystem and does not act as a discretionary portfolio manager.

Richard Nelson is a financial advisor with Centaurus Financial, Inc. in Anaheim, CA. He holds Series 63 and Series 65 licenses and has 43 years of industry experience. Nelson has worked at Centaurus Financial since 2012 and has operated Nelson Pension and Insurance Services since 1994, where he also serves as president and sells fixed insurance products. Centaurus Financial, Inc. provides advisory and brokerage services to a diverse client base, including individuals, families, small businesses, corporations, trusts, and foundations. The firm offers financial planning, portfolio management, retirement-plan consulting, and specialized advisory services through a variety of discretionary and non-discretionary arrangements.

Alfred Valencia is a financial advisor with Guardian Life and holds a Series 66 designation. He has nine years of industry experience and has worked primarily with Park Avenue Securities and Guardian Life Insurance Company. In addition to his advisory role, he is a part owner of a small family restaurant where he helps manage the kitchen staff. Park Avenue Securities LLC, operating as Park Avenue® Wealth Management, is a subsidiary of The Guardian Life Insurance Company of America. The firm provides brokerage services, financial planning, and investment advisory programs to individuals, pension plans, charitable organizations, and corporate clients.

Chris Iwamasa is a financial advisor at Citigroup Global Markets with 18 years of industry experience. He holds Series 63 and Series 66 licenses and has previously worked at Rockefeller Financial LLC and Merrill Lynch, Pierce, Fenner & Smith. Citigroup Global Markets serves individual and institutional clients across various segments, offering a wide range of investment advisory programs and brokerage services. The firm implements multi-asset and multi-manager strategies using established internal standards and oversight committees, combining large institutional scale with specialized market roles.

Charlotte Huang is a financial advisor at Citigroup Global Markets with seven years of industry experience. She holds Series 63 and Series 66 licenses and has worked at Wells Fargo Bank prior to joining Citigroup. Huang is based in Fountain Valley, California. Citigroup Global Markets serves individual and institutional clients across various segments, offering a broad range of investment advisory programs and broker-dealer execution and custody services. The firm implements multi-asset, multi-manager strategies through discretionary and non-discretionary programs and operates with significant institutional scale, including in-house research and roles as a swap dealer and futures commission merchant.

Sergio Dominguez Florencio is a Series 66 licensed advisor with Goldman Sachs Wealth Services, based in Newport Beach, CA, and has four years of industry experience. His prior work includes roles at Wells Fargo and The Boeing Company, as well as academic positions at California State University, Long Beach and Glendale Community College. Goldman Sachs Wealth Services provides financial planning, investment management, and advisory support to a diverse client base, including individuals, high-net-worth households, corporate participants, and institutional clients. The firm utilizes centralized investment resources and model portfolios, offering tailored solutions such as Executive Wealth and Private Family Office support within a large integrated financial group.

Michael Andrews is a CFP® with 25 years of industry experience, currently serving as a financial advisor at Schwab Wealth Advisory, where he has worked since 2022. His prior experience includes roles at Charles Schwab and USAA Financial Planning Services. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, delivering recommendations based on Schwab’s asset allocation models and research tools while leaving final trading decisions to clients.

Steven Williams is a financial advisor with Cerity Partners LLC, holding Series 63 and Series 65 credentials and 24 years of industry experience. He has worked at Cerity Partners since 2020 and concurrently with Cantor Fitzgerald & Co. since 2015. Cerity Partners is an SEC-registered investment adviser serving a diverse client base that includes individuals, families, trusts, corporations, and institutional investors, managing approximately $126.9 billion in client assets. The firm offers a range of services including investment management, financial planning, and access to alternative and private-market investments, emphasizing diversified asset allocation and customized portfolios.

James Eberhardt is a financial advisor with Centaurus Financial, Inc. in Anaheim, CA, holding Series 63 and Series 65 licenses and bringing 33 years of industry experience. He has been with Centaurus Financial since 2003 and also has extensive experience with Pension Services Corporation and United Pension Consultants, Inc. Outside of his advisory roles, he serves as president of Imprimis Financial & Insurance Services, a pension design and consulting firm. Centaurus Financial, Inc. provides advisory and brokerage services to a diverse client base including individuals, families, small businesses, corporations, trusts, and foundations. The firm offers financial planning, portfolio management through its CLASSIC Plus platform, retirement-plan consulting, and specialized advisory services, utilizing both discretionary and non-discretionary arrangements with a combination of fundamental and technical investment analysis.

Anh Nguyen is a CFP® with 28 years of industry experience, currently serving at Principal Financial Services in Irvine, CA. He has been with Principal Securities Inc. since 2016 and Principal Life Insurance Company since 2010. His additional business activity includes selling fixed life insurance, fixed annuities, long-term care insurance, and disability insurance through various carriers. Principal Securities provides brokerage and registered investment advisory services to a diverse client base, including individual investors, retirement plans, trusts, estates, charitable organizations, corporations, and active-duty U.S. military personnel. The firm offers direct advisory programs, financial planning, retirement plan consulting, and access to third-party money manager asset allocation and separately managed account solutions.

Ronald Perez is a financial advisor with Lincoln Investment, holding Series 63 and Series 65 licenses and bringing 25 years of industry experience. He has worked at Lincoln Investment since 2017 and previously spent 16 years with Legend Equities Corporation. The firm serves individuals, charitable organizations, businesses, and employer-sponsored retirement plans, with a focus on educators and 403(b)/457(b) participants. Lincoln Investment provides a range of financial planning and investment management services, utilizing both strategic and dynamic approaches overseen by its Investment Management & Research team.

Cathryn Jane Javier is a financial advisor with Goldman Sachs Wealth Services in Newport Beach, CA, holding a Series 66 designation and five years of industry experience. Her prior roles include positions at Ayco/Goldman Sachs & Co. LLC and The Ayco Company, L.P./Mercer Allied. Goldman Sachs Wealth Services provides financial planning and portfolio management to a diverse client base, including individual investors, executives, plan sponsors, and institutional clients. The firm offers tailored investment strategies, Private Family Office services, and specialized wealth programs, leveraging extensive resources across the Goldman Sachs network.

Banqi Yang is a CFP®, CFA®, and holds a Series 66 license with 12 years of industry experience. He is currently with Creative Planning, LLC and previously worked at Goldman Sachs & Co. LLC and The AYCO Company, L.P./Mercer Allied. Creative Planning provides investment advisory and financial planning services to a diverse client base, including individuals, corporations, foundations, trusts, and retirement plans. The firm employs a financial planning–led investment process emphasizing low-cost indexing and buy-and-hold strategies, supported by a broad range of affiliated non-investment businesses such as an affiliated law firm, trust company, and retirement plan recordkeeping services.

Joseph Conway is a financial advisor with Commonwealth Financial Network, holding a Series 63 designation and 43 years of industry experience. He has been with Commonwealth and Diversified Investment Services, Inc., where he is president and owner, since 2009 and 1993 respectively. Conway has been involved in fixed insurance sales since 1983. Commonwealth Financial Network is a registered investment adviser serving a national network of approximately 2,950 advisors and their clients. The firm provides a range of advisory programs and services, including discretionary model portfolios and customized investment solutions, while supporting affiliated advisors with operations, technology, and compliance infrastructure.

Dane Hoban is a financial advisor with Commonwealth Financial Network, holding a Series 66 designation and four years of industry experience. His prior work includes roles at Boston Scientific, Vertiflex, and Sabre. He is based in Oceanside, California. Commonwealth Financial Network serves a national network of approximately 2,950 advisors and their retail and institutional clients, providing a range of advisory programs and support services including wealth management, retirement plan consulting, and access to third-party asset managers. The firm offers discretionary model portfolios and a variety of program structures designed to meet diverse client needs.

Kenneth Di Fiore is a financial advisor with Goldman Sachs Wealth Services, holding Series 63 and Series 66 designations and bringing 18 years of industry experience. He has worked at Goldman Sachs since 2021 and previously spent 14 years at The AYCO Company, L.P./Mercer Allied. Goldman Sachs Wealth Services provides financial planning, investment management, and advisory support to a diverse client base, including individuals, high-net-worth households, corporate participants, and institutional clients. The firm offers tailored wealth solutions and integrates centralized investment resources with a variety of discretionary and non-discretionary managers across its broad range of services.

Rui Hu is a ChFC® and Series 66-registered financial advisor with four years of industry experience. He currently works at HSBC Securities (USA) Inc. and is concurrently a Bank Officer with HSBC Bank (USA) N.A., an affiliate of the securities firm. His prior experience includes roles at MML Investors Services LLC and MassMutual Life Insurance Company. HSBC Securities (USA) Inc. offers managed account programs to individuals, retirement accounts, charitable organizations, and corporations, providing a variety of client-directed and fully discretionary investment options. The firm’s investment approach integrates strategic and tactical asset allocation with ongoing fund due diligence and monitoring, servicing a substantial portion of assets through non-discretionary client-directed portfolios.

Ross Christiansen is a financial advisor with Guardian Life and holds Series 63 and Series 65 credentials. He has six years of industry experience, including roles at Guardian Life, Park Avenue Securities, and Northwestern Mutual. Christiansen previously owned Rocketology LLC and currently receives residual income from the sale of that company. Park Avenue Securities LLC, operating as Park Avenue® Wealth Management, serves individuals, pension and profit-sharing plans, charitable organizations, and corporate clients with brokerage services, financial planning, and investment advisory programs. The firm combines proprietary and third-party models and offers both discretionary and non-discretionary advisory relationships.